Moberly, MO · Cert 15142
FDIC · 4 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Moberly, MO · Cert 15142
FDIC · 4 branches
Q3 2021
Market Position · Columbia, MO · 2021 SOD (annual) · 0.0% share · #37 of 39 inst. · $0.0B of $6.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.28% | 1.21% | 1.23% | 1.29% | 1.03% | 0.97% | 0.98% | -25 bps | |
| Return on Equity | 14.40% | 14.79% | 14.03% | 14.53% | 15.43% | 13.51% | 12.90% | 13.18% | -135 bps | |
| Net Interest Margin | 3.16% | 2.88% | 2.83% | 2.77% | 2.69% | 2.29% | 2.22% | 2.12% | -64 bps | |
| Efficiency Ratio | 53.00% | 57.05% | 57.25% | 56.63% | 55.48% | 60.52% | 61.79% | 60.97% | +434 bps | |
| Non-Interest Burden | 1.28% | 1.26% | 1.26% | 1.15% | 1.01% | 0.95% | 0.97% | 0.91% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | 0.34% | 12.34% | 15.70% | 15.22% | 15.98% | 11.26% | 20.15% | +445 bps | |
| Loan Growth (YoY) | 6.03% | -0.67% | 4.79% | 1.41% | 0.48% | 0.49% | -11.39% | -11.26% | -1,267 bps | |
| Deposit Growth (YoY) | -0.19% | 0.56% | 12.94% | 17.38% | 18.00% | 19.53% | 14.85% | 24.55% | +716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.14% | 0.10% | 0.08% | 0.06% | 0.05% | 0.03% | 0.06% | -1 bps | |
| Net Charge-Offs / Loans | 0.08% | -0.33% | -0.09% | -0.09% | -0.12% | -0.07% | -0.10% | -0.10% | -1 bps | |
| Allowance / Loans | 1.60% | 1.70% | 1.58% | 1.71% | 1.86% | 1.89% | 2.02% | 2.10% | +39 bps | |
| Allowance Coverage of NPLs | 6.4x | 12.4x | 16.6x | 22.5x | 32.9x | 40.1x | 64.0x | 34.2x | +11.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.83% | 8.43% | 8.40% | 7.90% | 7.91% | 7.50% | 7.30% | 7.21% | -69 bps | |
| Total Risk-Based Capital | 14.66% | 14.57% | 15.33% | 15.46% | 16.01% | 16.92% | 17.73% | 18.43% | +297 bps | |
| Equity / Assets | 8.56% | 8.69% | 8.57% | 8.15% | 7.76% | 7.51% | 7.40% | 7.17% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.79% | 61.72% | 63.15% | 61.49% | 53.47% | 51.89% | 48.72% | 43.81% | -1,768 bps | |
| Liquid Assets / Assets | 4.00% | 7.94% | 10.77% | 10.59% | 13.81% | 21.23% | 22.08% | 25.91% | +1,532 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |